| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 1 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO BASE ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2025 al 16 de julio de 2026 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.620910 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 31/12/2025 | 16/7/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 16/7/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 16/7/2026 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 249,484.1 | 253,671.1 | 4,187.0 | 1.7 | -47,580.3 | -43,185.5 | 4,394.8 | -9.2 | 201,903.8 | 210,485.6 | 8,581.8 | 4.3 |
| 1. Activo externo 1/ | 249,484.1 | 253,671.1 | 4,187.0 | 1.7 | 8,221.3 | 8,397.6 | 176.3 | 2.1 | 257,705.4 | 262,068.7 | 4,363.3 | 1.7 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -55,801.6 | -51,583.1 | 4,218.5 | -7.6 | -55,801.6 | -51,583.1 | 4,218.5 | -7.6 |
| II. ACTIVOS INTERNOS NETOS | -65,807.3 | -73,824.4 | -8,017.1 | 12.2 | 482,439.5 | 501,183.3 | 18,743.8 | 3.9 | 333,955.9 | 350,075.6 | 16,119.7 | 4.8 |
| 1. Actividad crediticia | -15,061.6 | -8,906.3 | 6,155.3 | -40.9 | 442,571.7 | 459,399.7 | 16,828.0 | 3.8 | 427,510.1 | 450,493.4 | 22,983.3 | 5.4 |
| 1.1 Al Sector público neto | -17,119.7 | -10,964.4 | 6,155.3 | -36.0 | 34,243.3 | 36,890.7 | 2,647.4 | 7.7 | 17,123.7 | 25,926.3 | 8,802.6 | 51.4 |
| 1.2 Al Sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 409,087.1 | 423,290.0 | 14,202.9 | 3.5 | 409,087.1 | 423,290.0 | 14,202.9 | 3.5 |
| 1.2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 302,445.3 | 311,451.2 | 9,005.9 | 3.0 | 302,445.3 | 311,451.2 | 9,005.9 | 3.0 |
| 1.2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 106,641.8 | 111,838.7 | 5,196.9 | 4.9 | 106,641.8 | 111,838.7 | 5,196.9 | 4.9 |
| 1.3 A los bancos | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.1 En moneda nacional | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.4 A las financieras | 6.9 | 6.9 | 0.0 | 0.0 | 1,292.4 | 1,270.2 | -22.2 | -1.7 | 1,299.3 | 1,277.1 | -22.2 | -1.7 |
| 1.4.1 En moneda nacional | 6.9 | 6.9 | 0.0 | 0.0 | 810.7 | 810.7 | 0.0 | 0.0 | 817.7 | 817.7 | 0.0 | 0.0 |
| 1.4.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 481.6 | 459.4 | -22.2 | -4.6 | 481.6 | 459.4 | -22.2 | -4.6 |
| 2. Encaje en moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 69,956.0 | 66,415.7 | -3,540.3 | -5.1 | -30.8 | -13.6 | 17.2 | -55.8 |
| 3. Encaje en moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 12,680.3 | 10,845.8 | -1,834.5 | -14.5 | -9.2 | -8.2 | 1.0 | -10.9 |
| 4. Otros Activos Netos | 12,469.5 | 9,977.6 | -2,491.9 | -20.0 | -68,561.9 | -70,264.3 | -1,702.4 | 2.5 | -56,092.4 | -60,286.7 | -4,194.3 | 7.5 |
| 5. Obligaciones mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -4,180.1 | -4,111.4 | 68.7 | -1.6 | -4,180.1 | -4,111.4 | 68.7 | -1.6 |
| 6. Bonos de estabilización | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 7. Operaciones compra venta de valores en M/N | -63,215.2 | -74,895.7 | -11,680.5 | 18.5 | 29,973.4 | 38,897.9 | 8,924.5 | 29.8 | -33,241.8 | -35,997.8 | -2,756.0 | 8.3 |
| 7.1 Con entidades públicas | -27,260.4 | -30,954.8 | -3,694.4 | 13.6 | 0.0 | 0.0 | 0.0 | 0.0 | -27,260.4 | -30,954.8 | -3,694.4 | 13.6 |
| 7.2 Otros inversionistas | -35,954.8 | -43,940.9 | -7,986.1 | 22.2 | 29,973.4 | 38,897.9 | 8,924.5 | 29.8 | -5,981.4 | -5,043.0 | 938.4 | -15.7 |
| 8. Operaciones compra venta de valores en M/E | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.1 Con entidades públicas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.2 Otros inversionistas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| III. OBLIGACIONES MONETARIAS | 183,676.8 | 179,846.7 | -3,830.1 | -2.1 | 434,859.2 | 457,997.8 | 23,138.6 | 5.3 | 535,859.7 | 560,561.2 | 24,701.5 | 4.6 |
| IV. DINERO PRIMARIO | 170,987.3 | 168,992.7 | -1,994.6 | -1.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 101,000.5 | 102,563.3 | 1,562.8 | 1.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Encaje | 69,986.8 | 66,429.3 | -3,557.5 | -5.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.1 Bancario no remunerado | 67,494.7 | 63,846.6 | -3,648.1 | -5.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.2 Bancario remunerado | 2,461.3 | 2,569.1 | 107.8 | 4.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.3 Financieras | 30.7 | 13.6 | -17.1 | -55.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. ENCAJE EN MONEDA EXTRANJERA | 12,689.5 | 10,854.0 | -1,835.5 | -14.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1 Bancario no remunerado | 12,232.3 | 10,400.7 | -1,831.6 | -15.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2 Bancario remunerado | 448.0 | 445.0 | -3.0 | -0.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 Financieras | 9.2 | 8.3 | -0.9 | -9.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| VI. MEDIO CIRCULANTE EN MONEDA NACIONAL | 101,000.5 | 102,563.3 | 1,562.8 | 1.5 | 115,387.0 | 117,051.1 | 1,664.1 | 1.4 | 216,387.4 | 219,614.4 | 3,227.0 | 1.5 |
| 1. Numerario en circulación | 101,000.5 | 102,563.3 | 1,562.8 | 1.5 | 0.0 | 0.0 | 0.0 | 0.0 | 101,000.5 | 102,563.3 | 1,562.8 | 1.5 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 115,387.0 | 117,051.1 | 1,664.1 | 1.4 | 115,387.0 | 117,051.1 | 1,664.1 | 1.4 |
| VII. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 238,267.9 | 253,619.4 | 15,351.5 | 6.4 | 238,267.9 | 253,619.4 | 15,351.5 | 6.4 |
| VIII. MEDIOS DE PAGO EN MONEDA NACIONAL | 101,000.5 | 102,563.3 | 1,562.8 | 1.5 | 353,654.9 | 370,670.5 | 17,015.6 | 4.8 | 454,655.4 | 473,233.8 | 18,578.4 | 4.1 |
| IX. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,182.5 | 31,486.0 | 1,303.5 | 4.3 | 30,182.5 | 31,486.0 | 1,303.5 | 4.3 |
| X. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 51,021.8 | 55,841.3 | 4,819.5 | 9.4 | 51,021.8 | 55,841.3 | 4,819.5 | 9.4 |
| XI. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 81,204.3 | 87,327.3 | 6,123.0 | 7.5 | 81,204.3 | 87,327.3 | 6,123.0 | 7.5 |
| XII. MEDIOS DE PAGO TOTALES | 101,000.5 | 102,563.3 | 1,562.8 | 1.5 | 434,859.2 | 457,997.8 | 23,138.6 | 5.3 | 535,859.7 | 560,561.1 | 24,701.4 | 4.6 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 616.0 | 673.5 | 57.5 | 9.3 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 1,172.7 | 1,588.5 | 415.8 | 35.5 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 7,385.3 | 12,004.7 | 4,619.4 | 62.5 | -.- | -.- | -.- | -.- |